Search found 62 matches

by trailmk
Tue Mar 12, 2019 2:52 pm
Forum: Investing - Theory, News & General
Topic: FYI Lead Time for Changing Soc Sec Auto Deposit
Replies: 1
Views: 311

FYI Lead Time for Changing Soc Sec Auto Deposit

FYI Because the VG Advantage Accounts have been discontinued, we need to change where our SS checks will be deposited. I went online at My Social Security last week (3/5) and the earliest the change would be available was for the May 2019 deposits. So if you need to move your SS deposit, know that i...
by trailmk
Thu Feb 28, 2019 6:00 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 64588

Re: Vanguard is Discontinuing their VanguardAdvantage Accounts]

It's ironic how VG just forced everyone to convert to brokerage accounts and NOW VG does away with VG Advantage. As far as I know, every major brokerage company offers a CMA account except VG.

Still fuming,

MKT
by trailmk
Thu Feb 28, 2019 4:35 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 64588

Re: Discontinuing VanguardAdvantage Accounts

I am in the same boat. We are retired and EVERYTHING - direct deposit, bill pay, ACH, check writing etc. is through our Advantage account. I have almost three dozen accounts/businesses that I'll have to contact, setup new arrangements and verify that everything is working. This includes two accounts...
by trailmk
Thu Feb 28, 2019 4:34 pm
Forum: Investing - Theory, News & General
Topic: Vanguard is Discontinuing their VanguardAdvantage Accounts
Replies: 631
Views: 64588

Re: Vanguard Advantage going away?!

I am in the same boat. EVERYTHING - direct deposit, bill pay, ACH, check writing etc. is through our Advantage account. I have almost three dozen accounts/businesses that I'll have to contact, setup new arrangements and verify that everything is working. This includes two accounts with Treasury Dire...
by trailmk
Tue Feb 19, 2019 11:08 am
Forum: Investing - Theory, News & General
Topic: Check Cost Basis on Total World Stock Adm shrs conversion
Replies: 2
Views: 322

Re: Check Cost Basis on Total World Stock Adm shrs conversion

FYI I called VG and the representative contacted the "cost basis" group. After a few minutes, the rep reported that there was a glitch in the conversion. Even though my screen and the rep's screen showed Specific Id, the conversion was actually done on an average share basis. The rep said the "cost ...
by trailmk
Sat Feb 16, 2019 3:34 pm
Forum: Investing - Theory, News & General
Topic: Check Cost Basis on Total World Stock Adm shrs conversion
Replies: 2
Views: 322

Check Cost Basis on Total World Stock Adm shrs conversion

FYI I manually converted our WTWSX Investor shares to VTWAX Admiral shares this past week. We use specific lot id and when I checked the cost basis for the new Admiral shares, both lots had the same cost per share. I always buy shares in even dollar amounts, so it was easy to spot the error. I will ...
by trailmk
Fri Dec 28, 2018 9:46 pm
Forum: Personal Finance (Not Investing)
Topic: Today Only AMZ Turbo Tax Offer
Replies: 5
Views: 623

Ignore

Ignore this post.
by trailmk
Fri Dec 28, 2018 9:32 pm
Forum: Personal Finance (Not Investing)
Topic: Today Only AMZ Turbo Tax Offer
Replies: 5
Views: 623

Today Only AMZ Turbo Tax Offer

TurboTax Premier + State 2018 Tax Software [Amazon Exclusive] with $10 Amazon Gift Card

Download Only

$55 and a $10 gift card. Today only.


https://www.amazon.com/TurboTax-Premier ... 51840&th=1
by trailmk
Wed Mar 22, 2017 2:29 pm
Forum: Personal Finance (Not Investing)
Topic: Turned 70 & SS Benefits Stuck as Suspended
Replies: 6
Views: 1578

Turned 70 & SS Benefits Stuck as Suspended

My husband filed and suspended his SS benefits in Dec 2014 so I could receive spousal benefits. He turned 70 in Jan 2017. We went to SS office in late Dec 2016 to "un-suspend" his SS benefit and provide direct deposit information. The Holidays passed and no Benefit Letter was received and his MySoci...
by trailmk
Sun Feb 26, 2017 4:14 pm
Forum: Personal Finance (Not Investing)
Topic: VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit
Replies: 3
Views: 455

Re: VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit

Livesoft and HueyLD, Thank you so much! You are both so generous to track down this information for me. Your links provided exactly what I was looking for. I looked on the VG Investor's site and couldn't find it. Now I know about the "secret" Advisors' site. I will make a note for next year so I don...
by trailmk
Sun Feb 26, 2017 3:25 pm
Forum: Personal Finance (Not Investing)
Topic: VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit
Replies: 3
Views: 455

VG Total World Stock Fund - Amt of Foreign Inc for Tax Credit

We hold Total World Stock Index Fund VTWSX in our taxable account. Our VG tax document gives the total ordinary and qualified dividends but but does not specify the percentage from non-US countries. I need this information for the foreign tax credit form 1116. I tried to find the percentage of forei...
by trailmk
Sun Nov 13, 2016 11:49 am
Forum: Investing - Theory, News & General
Topic: Idea behind investing is NOT to get rich...
Replies: 51
Views: 11723

Re: Idea behind investing is NOT to get rich...

One of my favorite quotes: Comparison is the killer of Joy. I don't remember the author or where I read it. But every time I start wanting (not needing) what someone else has, I try to remember this quote. We're retired, we live a comfortable life, we have what we need AND we have financial security...
by trailmk
Sat Apr 16, 2016 11:19 am
Forum: Personal Investments
Topic: I Bonds before end of the month?
Replies: 20
Views: 5957

Thanks #Cruncher

Thank you for all your time and effort that you so graciously give to explain the inner workings of I Bonds and TIPs. Your explanations are always welcomed even when I fail to grasp all the subtleties. I really appreciate your postings.

MKT
by trailmk
Wed Mar 02, 2016 8:52 pm
Forum: Personal Finance (Not Investing)
Topic: A cautionary reminder about 'charities' and the elderly
Replies: 11
Views: 1942

Re: A cautionary reminder about 'charities' and the elderly

The same thing occurred with my mother. I started gathering up the mailings a few at a time and mailing them back marked "Deceased - Return to Sender". This helped considerably and within 4-5 months, she was receiving almost no mailings. Surprisingly she didn't miss them and never commented on no lo...
by trailmk
Sun Feb 28, 2016 9:57 pm
Forum: Personal Finance (Not Investing)
Topic: FYI H&R Block Deluxe & Foreign Tax Credit Form 1116
Replies: 21
Views: 4381

FYI H&R Block Deluxe & Foreign Tax Credit Form 1116

For several years I took advantage of VG's TurboTax discount and used TT Premier. Every year we have just over $600 in foreign tax paid and have to file Form 1116. TT Premier made it very easy to complete the form, essentially doing it automatically for foreign taxes paid by our mutual funds. When V...
by trailmk
Wed May 06, 2015 9:02 pm
Forum: Forum Issues and Administration
Topic: Slow speed
Replies: 12
Views: 3889

Re: Slow speed - Currently Unsuable

I love this forum but tonight it is unusable. Requests are timing out. Response time is like dial-up - if anyone remembers those days.

Using MacBook Pro, Chrome 42.0.2311.135, and OSX 10.8.5.


Back 1+ hour later - response time is much improved - still slow but not like earlier
by trailmk
Thu Jan 01, 2015 4:28 pm
Forum: Forum Issues and Administration
Topic: Question about Red Circles @ Left of Message
Replies: 4
Views: 1353

Re: Question about Red Circles @ Left of Message

Thanks for the information. Now I know the rest of the story....


Trailmk
by trailmk
Sun Dec 28, 2014 12:26 pm
Forum: Forum Issues and Administration
Topic: Question about Red Circles @ Left of Message
Replies: 4
Views: 1353

Question about Red Circles @ Left of Message

Silly question but I didn't find an answer with Search. I know a red circle means I haven't read the post. But what does it mean when I see a red circle the the text scrolling inside the circle?

Thanks and Happy New Year!
by trailmk
Sat Dec 27, 2014 12:30 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading TurboTax - tips for an easy process
Replies: 20
Views: 5807

Re: Downloading TurboTax - tips for an easy process

Thanks, FrogPrince I downloaded TurboTax Premium today and your instructions worked perfectly. In fact, I started the process without reviewing your post and Zap! I was off track almost immediately. Thanks to you, when I started over and followed your notes, the process went perfectly. Your instruct...
by trailmk
Sat Dec 20, 2014 12:28 pm
Forum: Personal Finance (Not Investing)
Topic: Downloading TurboTax - tips for an easy process
Replies: 20
Views: 5807

Re: Downloading TurboTax - tips for an easy process

Thank you for your post on downloading TurboTax.

You have saved countless hours and much frustration for many of us. I know how tedious it is to develop instructions for an online procedure, Thank you for your generous donation of your time and effort.

Happy Holidays!
by trailmk
Mon May 05, 2014 10:31 am
Forum: Investing - Theory, News & General
Topic: madsinger monthly report (April 2014)
Replies: 5
Views: 1577

Re: madsinger monthly report (April 2014)

Thanks, Brad.
Every month I look forward to your report. I appreciate all the effort it requires.

trailmk
by trailmk
Wed Apr 16, 2014 10:12 am
Forum: Investing - Theory, News & General
Topic: Doesn't Matter - Does Matter - Good Post by Ben Carlson
Replies: 58
Views: 8932

Doesn't Matter - Does Matter - Good Post by Ben Carlson

Yesterday's post on Financial Matters by Ben Carlson hits lots of nails on the head. It's a great collection of little gems.


http://awealthofcommonsense.com/financi ... al-matters

MKT
by trailmk
Sat Apr 12, 2014 10:05 am
Forum: Personal Investments
Topic: Problem with Vanguard website
Replies: 25
Views: 4498

Re: Problem with Vanguard website

I'm using FIrefox on a Mac and I am also seeing mis-aligned pages with links that don't work.
by trailmk
Wed Jan 29, 2014 3:10 pm
Forum: Personal Investments
Topic: Treasury Direct password problem resolved
Replies: 1
Views: 471

Re: Treasury Direct password problem resolved

Thank you for sharing this information.

MK
by trailmk
Sun Nov 24, 2013 1:02 pm
Forum: Investing - Theory, News & General
Topic: TreasuryDirect New Links for Auction Information
Replies: 4
Views: 731

Re: TreasuryDirect New Links for Auction Information

Thanks from me, too. I always enjoy reading your posts even when I don't quite have the skill/background to completely understand everything you write. You are most generous with your time and knowledge.

mk
by trailmk
Sun Sep 29, 2013 11:32 am
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 27680

Re: Quicken and Vanguard - Download Problem

I downloaded a .csv file Saturday morning around 10 am CST for my Excel spreadsheet.

I didn't download a Quicken compatible file. Sorry for the confusion.
by trailmk
Sat Sep 28, 2013 11:42 am
Forum: Personal Finance (Not Investing)
Topic: Quicken and Vanguard - Download Problem
Replies: 219
Views: 27680

Re: Quicken and Vanguard - Download Problem

Vanguard also slightly changed all of the names of non-Vanguard funds and ETFs. This caused problems with my table lookup in Excel.
by trailmk
Thu Aug 01, 2013 8:05 pm
Forum: Personal Consumer Issues
Topic: Any experience with Vortens Toilets??
Replies: 12
Views: 7070

Any experience with Vortens Toilets??

We are replacing two 7 year old toilets in a house we recently purchased. A recommended plumber suggested using a Vortens Forza model. I had never heard of the brand. Is this brand considered moderate priced? We don't want another 'builder's grade" but we don't need a high end brand either. We are l...
by trailmk
Thu Feb 07, 2013 3:32 pm
Forum: Investing - Theory, News & General
Topic: Short versus long TIPs funds?
Replies: 4
Views: 1519

Re: Should I consider replacing VAIPX with VTAPX?

I'm also very interested in this topic - replacing some or all of the older TIPs fund with the newer Short Term Tips fund. Maybe if the thread title included the words Short v. Longer Term TIPs ( or something similar) more people would join the discussion. I'm not sure how many know that VAIPX and V...
by trailmk
Fri Nov 30, 2012 2:57 pm
Forum: Personal Finance (Not Investing)
Topic: File & Suspend Timing for Social Security
Replies: 4
Views: 921

Re: File & Suspend Timing for Social Security

Thank you for your responses.

I wasn't sure if there is any advantage to file & suspend when Husband turns FRA in terms of protecting him against any future changes in Social Security benefits since he would have already filed.

trailmk
by trailmk
Thu Nov 29, 2012 12:48 pm
Forum: Personal Finance (Not Investing)
Topic: File & Suspend Timing for Social Security
Replies: 4
Views: 921

File & Suspend Timing for Social Security

Husband will reach FRA in Jan 2013. Wife will reach FRA in Dec 2014. Wife will file for spousal benefits on Husband's work record in Dec 2014. Wife does not qualify for SS benefits on her own work record. Husband will file and suspend to allow Wife to file for spousal benefit. Husband will wait unti...
by trailmk
Sat Aug 25, 2012 2:24 pm
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 9542

Re: Problems with Vanguard's Bond Desk

linenfort, Thank you for your link on how to get around the VG Bond Desk problem. I tried it with FireFox and it worked perfectly. I guess you spoke to a more informed back-office person. My problem was different from the one you described in your link (although I have run into that problem also) bu...
by trailmk
Fri Aug 24, 2012 10:04 am
Forum: Personal Consumer Issues
Topic: Problems with Vanguard's New Site
Replies: 42
Views: 9542

FYI - Vanguard Bond Desk & Mac Browsers Problem

FYI I just spent 45 min talking to various VG personnel about not being able to display the CD & Bond screen on my MacBook Pro. Note: I am on the new website format. Every time I logged on and tried to check the current CD rates, I was directed to a screen to Log On. Long story short - Vanguard chan...
by trailmk
Mon Aug 13, 2012 2:03 pm
Forum: Personal Finance (Not Investing)
Topic: Retiree Portfolio Model
Replies: 799
Views: 261417

Re: Retiree Cash Flow Comparison Model

Thank you for sharing your work. I'm going to have fun playing with your spreadsheet.

trailmk
by trailmk
Sat Jun 16, 2012 3:08 pm
Forum: Investing - Theory, News & General
Topic: Vanguard Voice Verification
Replies: 21
Views: 3996

Re: Vanguard Voice Verification

By using voice verification, we were able to easily wire money from Vanguard to close on our home. We did not have to do a signature guarantee which would have involved paper work, a bank, faxing, and calling to verify that the fax ended up where it needed to be. It was refreshingly quick and simple...
by trailmk
Sun Apr 22, 2012 12:10 pm
Forum: Personal Investments
Topic: Has anyone here had a good experience with Smith Barney?
Replies: 39
Views: 3672

Re: Has anyone here had a good experience with Smith Barney?

We escaped from Smith Barney almost 14 years ago. We wouldn't be retired today if we hadn't moved to Vanguard and indexed funds. Our "advisor" was upset also, but it was just fees, fees, and more fees. Gird your loins and do it ASAP. As others have stated, Vanguard will do most of the paperwork for ...
by trailmk
Tue Feb 07, 2012 12:53 pm
Forum: Investing - Theory, News & General
Topic: FYI - Vanguard Household Statements No Longer Available
Replies: 20
Views: 3474

FYI - Vanguard Household Statements No Longer Available

A recent post mentioned the Household Statement from Vanguard that combines all your separate accounts in one statement. When I called today to set up this option, I was told that this option is no longer available. Any one who has been receiving Household Statements will continue to receive them bu...
by trailmk
Sun Aug 07, 2011 11:07 am
Forum: Investing - Theory, News & General
Topic: A time to EVALUATE your jitters
Replies: 347
Views: 333633

nisiprius,

Thank you, Thank you, Thank you.

I am telling myself some of the same things but it always helps to have it all cogently written by someone you respect.

Thank you for all your wonderful posts. Whenever I see your avatar, I always stop to read your comments.
by trailmk
Sat Jul 16, 2011 2:24 pm
Forum: Personal Finance (Not Investing)
Topic: Mac Finance Software - Anyone Using iFinance ???
Replies: 23
Views: 3558

Before I switched to a Mac, I used Quicken with Windows. Because the Quicken Mac product is so poor, I have used SEE Finance for almost a year and have been very satisfied.

http://scimonocesoftware.com/seefinance/
by trailmk
Tue Jun 21, 2011 11:21 am
Forum: Personal Finance (Not Investing)
Topic: Investment software for MAC?
Replies: 31
Views: 10425

I would also suggest SEE Finance. You can download and test it for as long as you want. It hasn't been "Officially Released", i.e. version 1.0, yet, but probably will be in a few months. The customer support is outstanding. When I send an email, it is often answered the same day. The one caveat is t...
by trailmk
Fri Mar 11, 2011 9:48 pm
Forum: Personal Investments
Topic: Vanguard .csv file question
Replies: 36
Views: 8996

You currently can't download the contents of the Accounts & Activity page as a .csv file. This is the page that shows each holding in each account with # shares, Price & Change, and Value. I emailed our VG rep about this several weeks ago and was told "no you can't but I'll pass the request on". I'm...
by trailmk
Mon Jan 17, 2011 9:12 pm
Forum: Personal Finance (Not Investing)
Topic: Spousal Social Security Benefits for Divorced Spouse
Replies: 18
Views: 3115

What is the purpose of a protective filing?

Thanks

MK
by trailmk
Tue Aug 17, 2010 3:05 pm
Forum: Personal Investments
Topic: Social Security - Surviving Spouse's Benefit
Replies: 7
Views: 1497

sscritic,

Thank you. You are very generous to answer these social security questions.

I read all your posts regarding SS and I have learned many things that I would never have found on my own.

MKT
by trailmk
Tue Aug 17, 2010 10:54 am
Forum: Personal Investments
Topic: Social Security - Surviving Spouse's Benefit
Replies: 7
Views: 1497

Social Security - Surviving Spouse's Benefit

I will have only a wife's benefit under social security. My FRA is 66 but I plan to start collecting at 65 to cover medicare payments. Husband (FRA 66) will be 67 at that point and will file and suspend so I can begin collecting. Husband will wait until 70 to start collecting SS. My question is what...
by trailmk
Wed Dec 02, 2009 3:43 pm
Forum: Personal Investments
Topic: Social Security Claiming Guide
Replies: 4
Views: 1124

Thanks, Bob, for another of your always useful posts.

MK
by trailmk
Fri Nov 06, 2009 12:16 pm
Forum: Personal Finance (Not Investing)
Topic: Microsoft Money being discontinued
Replies: 119
Views: 30869

Possible Replacement for MS Money & Mac Quicken

FYI - For Windows MS Money and Mac Quicken users I am a relatively new Mac user who wants a replacement program for Quicken. I've used Quicken 15+ on a PC and I was willing to wait for the new version of Quicken for Mac. Unfortunately the recent disclosure that Quicken for Mac will not track individ...
by trailmk
Sun Oct 18, 2009 12:08 pm
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security & Survivor's Benefit
Replies: 2
Views: 1194

Thanks, sscritic,

I had looked around the socialsecurity.gov site but never found that section. Two heads are better than one.

Thanks for taking time to help.

MKT
by trailmk
Sun Oct 18, 2009 10:57 am
Forum: Personal Finance (Not Investing)
Topic: Delaying Social Security & Survivor's Benefit
Replies: 2
Views: 1194

Delaying Social Security & Survivor's Benefit

We plan to delay my DH's social security until he turns 70 in order to increase his benefit and increase my survivor's benefit. I will file for spousal benefit when he turns 66 and I am 64. He will file and suspend so I can start benefits based on his earnings. One issue I have not seen addressed is...
by trailmk
Thu Aug 06, 2009 9:39 am
Forum: Investing - Theory, News & General
Topic: Thoughtful Post at behavior gap
Replies: 1
Views: 814

Thoughtful Post at behavior gap

This is a very simple but fundamental post about you and your financial plan. http://www.behaviorgap.com/moving-forward/ financial planning done right is about aligning your values (what is really important to you) and your use of capital. Until you are clear about that, what’s the point of finding ...
by trailmk
Fri Jun 12, 2009 10:55 am
Forum: Personal Investments
Topic: age 87 and 88; where should the $$ be?
Replies: 32
Views: 4137

However you allocate the money, I would consider moving it to Vanguard. Vanguard offers USAA funds, so you could transfer the USAA funds intact to Vanguard and then move into VG funds. To do that you would have to set up a brokerage account at Vanguard. If you don't mind being out of the market duri...